HDFC MoneyBack+ credit card

HDFC MoneyBack+

HDFC Bank · Visa

HDFC MoneyBack+ is a solid entry-level cashback card with 2X rewards on all spends and no-fuss redemption.

Annual Fee

₹500

Waived at ₹0.5L spend

Joining Fee

₹500

Base Reward Rate

2X

₹0.25/pt

Min CIBIL

650

₹2L+ income

Key Features

10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart, Swiggy & Uber
2X CashPoints on all EMI transactions
1X CashPoints on all other spends
CashPoints redeemable as statement credit at ₹0.30 per point
Annual fee waived on ₹50,000 spend in previous membership year
Zero fuel surcharge at HPCL petrol pumps
Easy EMI conversion on transactions above ₹2,500
Add-on cards available for family members at no extra cost

Welcome Benefits

✓

500 Bonus CashPoints on First Spend

Earn 500 CashPoints (worth ₹150) on your first transaction within 90 days of card activation

✓

Zero Fee for First Year

No joining or annual fee for the first year — start earning rewards with zero upfront cost

Reward Rates by Category

Dining

2X

Travel

2X

Online

2X

Shopping

2X

Grocery

2X

Fuel

1X

Utilities

1X

Other

2X

Partner Earn Rates

PartnerCategoryEarn Rate
AmazonOnline Shopping10X
FlipkartOnline Shopping10X
BigBasketGrocery10X
Reliance SmartGrocery10X
SwiggyFood Delivery10X
UberCab10X

Milestone Benefits

₹50,000

2,500 Bonus CashPoints

Spend ₹50,000 in a calendar quarter and earn 2,500 bonus CashPoints worth ₹750 as statement credit

Quarterly

Airport Lounge Access

Domestic

0 visits/year

International

0 visits/year

Insurance & Protection

Personal Accident Cover

Accidental death insurance for the primary cardholder

₹50 Lakhs

Credit Shield

Credit card dues waived in case of accidental death

Outstanding balance

Pros

  • 2X reward points on all spends
  • Low annual fee
  • Easy to get approved
  • Good for beginners
  • Fuel surcharge waiver

Cons

  • No lounge access
  • Lower reward rate than premium cards
  • Basic benefits

Redemption Options

Cashback

Standard₹0.25/pt

Amazon vouchers

Standard₹0.25/pt

Frequently Asked Questions

What is the annual fee for HDFC MoneyBack+?+
₹500 per year. Waived if you spend ₹50,000 or more in the previous membership year.
Which merchants give 10X CashPoints?+
Amazon, BigBasket, Flipkart, Reliance Smart, Swiggy and Uber give 10X CashPoints. EMI transactions earn 2X and all others earn 1X.
How do I redeem CashPoints?+
Redeem CashPoints against statement balance (1 pt = ₹0.30) via HDFC NetBanking or SmartBuy portal for flights, hotels and gift vouchers. Minimum 500 points.
Can I convert purchases to EMI?+
Yes, transactions above ₹2,500 can be converted to EMI. EMI transactions also earn 2X CashPoints as a bonus.
Is there a monthly cap on 10X earn?+
Yes, there is a monthly cap on accelerated CashPoints from partner merchants. Check HDFC Bank's current terms for the applicable limit.

Ready to apply?

Apply on the HDFC Bank website. Usually takes 10 minutes.

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HDFC MoneyBack+

₹500/yr · 2X rewards